📋 Ledger
Entry · Batch · AI Parse · Transactions
⚡ Quick
📋 List
✦ AI Parse
📄 All
This Week
Transactions
⚡ Pace Alerts
Pulse
How you're doing this month
◉ Overview
▦ Budget
📊 Trends
This Month
—
total spent
vs monthly floor
Income
—
Saved
—
Floor
—
Obligations
Spend vs Budget
🏦 Accounts
Bank balances and transaction history
Dashboard
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Spending by Category
Minimum Monthly Floor
—
Essential obligations only
Obligations
Budget Health
Obligations
Quarterly & recurring payment tracker with reserve status
All
🔴 Urgent (≤14 days)
🟡 Soon (≤30 days)
🟢 On track
☽ Lunar
📦 Archived
Payment History
Monthly Reserve Plan
Set up automatic transfers matching these amounts each month. Keep in a separate "obligations" savings account so it's never accidentally spent.
Money
Net Worth · Income Statement · Cash Flow
◈ Net Worth
📈 Income Stmt
💧 Cash Flow
Assets
Liabilities & Net Worth
Composition
Investments
Factual · Analysis · Projections
📋 Factual
📊 Analysis
📈 Projections
vs Savings Rate
Rate:
% p.a.
Income Statement
Revenue, expenses, net surplus
Monthly
Quarterly
Annual
Key Ratios
AI Interpretation
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Credit Cards
Balances, limits, statements and payments
Card Transactions
—
| Date | Description | Card | Category | Amount |
|---|
Budget vs Actual
Track against targets
Monthly Fixed
Monthly Variable
Recurring Obligations
From your Obligations — amortised monthly reserve
Annual / Occasional
Receipt Scanner
Upload any receipt — AI reads it
AI Analysis
Card Analyser
Paste statement — AI categorises it
Paste Statement Text
What AI Detects
✓ Groceries & supermarkets
✓ Utilities & telecom
✓ Health & pharmacy
✓ Dining & entertainment
✓ Online shopping
✓ Remittance & transfers
✓ Subscriptions
✓ Unusual charges
✓ Utilities & telecom
✓ Health & pharmacy
✓ Dining & entertainment
✓ Online shopping
✓ Remittance & transfers
✓ Subscriptions
✓ Unusual charges
Statement Analysis
✦ Mizan Intelligence
Your financial co-pilot
🔮 Intelligence Feed
💬 Ask Anything
📌 Saved
Zakat Calculator
Nisab ≈ AED 18,700 · Rate: 2.5%
Zakatable Assets
Cash & Savings
Held ≥ 1 lunar year
Serva Portfolio
Gold & Jewellery
Receivables
Debts to deduct
Zakat Due
Your Lahore house used by your mother is not zakatable — property for personal/family use is exempt.
Risk Profile
Financial resilience score with AI commentary
Settings & Admin
🏦 Accounts & Assets
💼 Income
▦ Budgets
📅 Obligations
🏷 Categories
🔗 Import Mapping
🔔 Alerts
🔑 API & Integrations
💾 Data & Backup
💵 Cash in Hand
Bank Accounts
Investments
Property
Liabilities
Monthly Income
Monthly Fixed
Monthly Variable
Recurring Obligations
Annual
Recurring Obligations
Categories
Import Category Mapping
Descriptions learned from AI categorisation. Used automatically on future imports.
🔒 PIN Lock
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Notification Preferences
🤖 Anthropic API Key
Required for AI Advisor, Receipt Scanner, Card Analyser, and Risk Narrative. Your key is stored only in your browser — never sent anywhere except directly to Anthropic.
Get your API key at console.anthropic.com → API Keys → Create Key.
The key is stored in
localStorage — clearing browser data will remove it.
💱 Exchange Rates
AED is the base currency. Update rates periodically for accurate net worth calculations.
Rates sourced manually — check xe.com for current values
📥 Direct Bank Import (CSV / JSON)
Import transactions directly from your bank's export file — no AI needed. Supports Emirates NBD, FAB, ADCB CSV exports, or any mapped JSON.
Google Account & Drive
Checking status…
⚠ Storage Updated to v6
This version fixes investment currency handling and removes placeholder accounts.
If your data looks wrong, use Load from Drive to restore your backup,
or Import JSON if you exported one previously.
Local Auto-Save
Checking…
⚠ Danger Zone
These actions cannot be undone. Export a backup first.
Delete all transactions
Keeps accounts, budgets and settings
Reset everything
Wipes all data back to defaults
Export / Import JSON
Portable backup — works on any device without Google.
Storage Usage